11 Easy Ways to Spot a Get Out of Debt Scam
Have debt worries? Here is how to avoid being swindled.
Debt collectors have a right to contact your employer, but not to shame you about your debt – it’s only allowed to verify your identity.
Debt collectors aren’t allowed to shame you into paying them back. So they can’t call your job to tell your boss or other employees how bad you are about paying back your debts. They also can’t tell your HR department to garnish your wages (only the courts can do that)
But just because they can’t do any of the above, it doesn’t mean that they can’t have any contact with your employer. The information below can help you understand the kind of contact a debt collector can have with your employer. If you have questions or need help with a collector who crossed the line, call us or complete the form to connect with the right services to fight back.
There can be legal contact between a debt collector and your employer or their HR department. Here’s how and why the collector can legally contact your job:
That’s it. They can’t tell your employer anything about the debt you owe or the circumstances under which it was incurred. They can’t ask your employer to make you pay or ask for your wages to be garnished. And they can’t talk to other employees to shame you into paying your debt.
Basically, they can take steps to confirm you are who they think they are and that you work for that company, but that’s it. Any other contact violates your rights according to the FDCPA.
So the above describer how your employer can be contacted, but what about you directly? Getting constant calls from a debt collector while you’re at work could get you in trouble with your boss or supervisor simply because you’re taking so many personal calls at work.
But the FDCPA protects you for this, too. If you’re not allowed to receive calls at work, tell your collector that. Note the date and the time and who you talked to when you let them know. If they call your job again, they’ve violated the law.
The only people a debt collector can usually contact to discuss anything as it relates to your debt is you, your spouse or an attorney. No bosses, clients, coworkers, friends, distant relatives, boyfriends, girlfriends, or fellow parents in the PTA or anyone else. So if a collector is talking to other people about your debts or broadcasting the information around town to embarrass you into paying, you have a case for collector harassment.
Article last modified on January 30, 2019. Published by Debt.com, LLC